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Debt check

What is your debt actually costing you?

Minimum payments are designed to keep you paying. Answer 6 questions about the balances you already have and see the real number.

1 What interest costs you each year, in dollars
2 How much of your payment is just interest
3 Where to aim first if you want it gone faster
Show me the number

No credit check · No obligation · Takes about a minute
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How much do you owe on credit cards?

All cards added together. Your best estimate is fine.

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$ 0$ 80k+

What rate are those cards charging?

It's on your statement. Pick the closest.

What do you pay toward them monthly?

Total across all cards, including minimums.

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$ 0/mo$ 3,000+/mo

Any other non-mortgage debt?

Car loans, personal loans, medical bills, student loans.

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$ 0$ 120k+

Do you own your home?

What would help most right now?
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Continue
Your number is ready

Where should we send it?

We'll show it on the next screen and email you a copy to keep.

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Show my number

We'll only call if you ask us to — otherwise we'll reach out by email or text. This is not a loan application or a credit decision. Estimates only.
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Your numbers

Everything here comes from what you told us about the debt you already have.

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Where to aim first

General guidance, not a recommendation about your situation.

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If you're considering using your home

Borrowing against your home to clear these balances moves unsecured debt onto your house. If you can't make the payments, your home is at risk in a way a credit card never was.

A lower monthly payment often means paying over a longer period, which can increase the total interest you pay.

It's worth asking whether paying the balances down directly gets you there without new closing costs or a new lien.

Talk it through with someone

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Equal Housing Opportunity

Not an offer to lend. Subject to credit approval and additional terms apply. {{ footerCompany }}

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This tool describes only the debt you already have, using the balances, rates, and payments you entered. It does not quote a rate, annual percentage rate, payment, term, or loan amount for any USA Mortgage product, and nothing shown here is an offer, a quote, a preapproval, or a commitment to lend. Interest figures are simple estimates calculated from the balance and rate you provided and will differ from your actual statements, which may compound daily, apply promotional or variable rates, add fees, or apply payments differently. We have not checked your credit or verified any figure you entered.

Borrowing against your home converts unsecured debt into debt secured by your property, which may be subject to foreclosure if you do not make payments. Extending a repayment period may lower a monthly payment while increasing the total interest paid over the life of the loan.

DAS Acquisition Company, LLC is not affiliated with or endorsed by any government entity or agency, including USDA, HUD or VA. USA Mortgage is not a credit repair organization, credit counseling agency, debt settlement company, financial planner, or tax advisor, and does not provide credit, debt, tax, or investment advice. Interest on debt secured by your home is not always tax deductible; consult a tax professional. For help with debt, consider speaking with a HUD-approved housing counselor or a nonprofit credit counselor.